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Hypoúver Invest

with interest rate from 3,89 % p.a.

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  • No loan service fee and is with solvency insurance

  • even without prrof of income

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Hypoúver Invest

WHY PAY RENT AND STILL OWN NOTHING? BUY YOUR OWN PROPERTY AND WE WILL HELP YOU FIX YOUR INSTALMENTS SO THAT THEY ARE NOT AN UNNECESSARY BURDEN FOR YOU.

  • Low interest rate with the possibility of 2-, 3-, 4- and 5- fixation
  • No fee for providing the loan
  • No proof of income required
  • Original expert opinion on the completed property is accepted
  • A loan of up to 90 % of the value of the property accepted by the bank
  • Insurance of the ability to pay the loan with a choice of insured risk
  • Loan instalments may be broken down to as many as 30 years
  • Possibility of insuring the pledged property directly in the bank’s point of sale

Loan amount:

  • min. EUR 3,300 and max. of 90 % of the value of the pledged property.

For loans over 80 % of the value of the pledged property, there is a limit that the bank can only provide such loans at 20 % of all loans provided by the bank in a calendar quarter.

Loan purpose:

  • acquisition of domestic property or its part (including settlement of property in joint ownership),
  • construction or alteration of completed buildings,
  • maintenance of domestic property,
  • repayment of the loan, used for the purposes under points 1 - 3
  • combination of purposes under points 1 - 4 with the general-purpose of the loan: if the loan amount does not exceed 80 % of the value of the collateral, 40 % of the loan amount may be used without proving the purpose

Loan maturity

  • Min. 1 year and max. 30 years
  • The terms and conditions for drawing down the loan are specified in the loan agreement; the bank allows the loan to be drawn subject to these terms and conditions within 5 days after submitting the client’s request for drawdown.
  • As for single drawdown of the loan (purchase of property, repayment of another loan), the time-limit for meeting the terms and conditions is 6 months.  As for gradual drawdown of the loan (construction, reconstruction), this time-limit is 18 months. 
  • flat,
  • detached house,
  • another housing property,
  • land with a building permit issued for the construction of a detached house,
  • land which, in accordance with the zoning decision, is earmarked for the construction of detached houses.

Representative example for a mortgage with the insurance of the ability to pay:

The stated interest rates in % per annum (p.a.) take into account a discount of 0.20% p.a. for insurance of the ability to repay the loan and a discount of 0.20% p.a. for activity on the account from which the loan is repaid (activity on the account means the monthly transfer of an amount in the amount of at least 1.5 times the annuity payment in favor of this account and the monthly realization of at least 3 payments with the card issued for this account).

The total amount of the loan is EUR 60,000, with a repayment period of 30 years and a 3-years fixed rate of 3.89 % p. a. The monthly instalment amounts to EUR 282,66 the number of monthly instalments is 361, of which the first instalment is only an interest payment of up to EUR 19,44 the annual percentage rate of charge is 4,73 %  and it entails an EUR 0 monthly fee for providing the loan, the monthly fee EUR 15,55 for the insurance of the ability to pay the loan; the fee for registration of the pledge over the property with the land register is EUR 100, real estate appraisal fee EUR 250, real estate insurance fee EUR 100 annually throughout the maturity of the loan. The total amount you have to pay is EUR 110 738,53. The loan is secured by a family house. The monthly fee for maintaining an Open account is EUR 0.

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